Manhattanite Ashley is known to many as the luckiest woman around. After a chance encounter with a down-and-out young man, however, she realizes that she's swapped her fortune for his.

Bernie Laplante is having a rough time. He's divorced, his ex-wife hates him and has custody of their son, the cops are setting a trap for him, then to top it all, he loses a shoe whilst rescuing passengers of a crashed jet. Being a thief who is down on his luck, Bernie takes advantage of the crash, but then someone else claims credit for the rescue.

Virgil Starkwell is intent on becoming a notorious bank robber. Unfortunately for Virgil and his not-so-budding career, he is completely incompetent.

A young sailor falls in love with a mysterious woman performing as a mermaid on the local pier. As they become entwined, he comes to suspect the woman might be a real mermaid who lures men to a watery death during the full moon.

Bernie works at a Las Vegas casino, where he uses his innate ability to bring about misfortune in those around him to jinx gamblers into losing. His imposing boss, Shelly Kaplow, is happy with the arrangement. But Bernie finds unexpected happiness when he begins dating attractive waitress Natalie Belisario.

Dan Bellows finds former stage star Joyce Heath a penniless drunk and takes her to his Connecticut home for rehabilitation. He asks his fiancée Gail to free him and offers to sponsor Joyce in a play.